Hilltop Holdings Results Presentation Deck

Investor Highlights – Q4 2023 EPS - Diluted $0.44 3 Net Income $28.7MM PlainsCapital Bank Notes: (1) PrimeLending HilltopSecurities ● ● ● ROAA 0.75% ROAE 5.46% PlainsCapital Bank generated $47.8 million in pre-tax income during Q4 2023 Bank net interest margin of 2.94% decreased 14 basis points from Q3 2023, driven by deposit migration from NIB into Interest Bearing accounts and the ongoing rollover of the CD book Average bank loans HFI¹ decreased from Q3 2023 by $75 million, or 1.0%, while loan yields of 5.95% decreased by 4 basis points from Q3 2023 due to lower recoveries of non-accrual interest Average bank deposits decreased from Q3 2023 by $158 million, or 1.4%. The decline includes a return of broker dealer sweep balances and brokered deposits. Total cost of deposits at the bank was 2.82% during the period, a 15-basis point increase over Q3 2023 PrimeLending generated a $15.9 million pre-tax loss during Q4 2023 Gain-on-sale of loans sold to third parties of 189 basis points was 22 basis points lower than Q4 2022 and 10 basis points lower than Q3 2023 Non-interest expense at PrimeLending declined by $12.2 million, or 13%, from Q4 2022. Expenses other than variable compensation declined by $9.5 million, or 10%, during the same period, reflecting management's ongoing efforts to resize the business to align with the current environment HilltopSecurities generated a pre-tax income of $20.1 million during Q4 2023 on total net revenue of $120.0 million Structured Finance generated $21 million in revenue, an increase of 81% from Q4 2022, primarily from mortgage trading that benefited from certain state's support of down payment assistance programs Average Bank Loans HFI reflect consolidated loans held for investment excluding margin loans from the broker-dealer business. Within Wealth Management, money market and FDIC sweep accounts generated an increase in revenue of $1.1 million from prior year as balances benefited from higher short-term interest rates Hilltop Holdings.

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